JIGAR JOSHI
Ahmedabad
Summary
Dynamic Retail Credit professional with over 8.5 years of experience across Mortgages, Commercial Banking, and Consumer Banking. Demonstrated expertise in conducting concurrent audits at ICICI BANK and funding audits at SBI Bank, enhancing compliance and operational efficiency. Proven proficiency in post-disbursement documentation audits for DHFL, fostering a thorough understanding of housing finance processes. Aiming to leverage extensive knowledge in a challenging role that promotes exploration and drives mutual growth.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Operations Manager
HDFC Bank
Ahmedabad
08.2018 - Current
- I joined here as a Senior Officer in Operations and grew to Branch Head Manager at EMD, and now I am in Credit Operations for retail lending in home loans. I have worked across all departments, from disbursement fixing to technical, credit, audits, legal, business development, etc.
- Evaluated customer creditworthiness accurately through detailed financial statement analysis, mitigating potential risks associated with lending transactions by doing telephonic payments and visits in both employed and self-employed loans when needed, adhering to sanction turnaround time with quality work.
- Implemented innovative credit analysis techniques, leading to improved underwriting standards, and reduced loan defaults.
- Collaborated closely with audit teams during periodic reviews of credit operations processes, addressing any identified gaps promptly and efficiently.
- Streamlined workflow systems within the department by introducing automation tools that led to increased accuracy and time-saving efficiencies.
- Improved credit operations efficiency by implementing streamlined processes and procedures.
- Established strong relationships with internal stakeholders to foster a collaborative approach to credit operations management.
Assistant Manager
Kotak Mahindra Bank
Ahmedabad
07.2017 - 08.2018
- Worked as an Assistant Manager at Kotak Mahindra Bank in Backend Retail Assets/Liabilities Operations.
- Processed tractor loan applications considering creditworthiness, conducting telephonic personal discussions, and reviewing documentation.
- Processed account opening forms of individuals, NIE, i.e., Pvt. Ltd. companies, HUF, partnerships, proprietorships, etc.
- Supervised day-to-day operations to meet performance, quality, and service expectations.
- Promoted teamwork within the workplace by encouraging collaboration among staff members on various project tasks.
- Monitoring RCU queries in loan applications and account openings.
Senior Officer Branch Banking Operations
ICICI Bank Ltd.
Ahmedabad
07.2016 - 07.2017
- At ICICI Bank, I handled branch operations, including front desk work, i.e., non-financial transactions of RTGS and NEFT, fund transfers, MIS reports, and daily reports. I even handled cash as needed and acted as a relationship manager for high-net-worth clients from account openings, i.e., CASA, and deepening the funds.
- Along with this, I gained experience in crop loans, gold loans, personal loans, tractor loans, and working capital.
- Led cross-functional teams to achieve project milestones, ensuring collaboration and efficiency.
Education
MBA - Commerce
Institute of Chartered Financial Analysts of India (ICFAI)
Ahmedabad06-2019
Master of Commerce - Finance, Accounts, Auditing
Gujarat University
Ahmedabad06-2017
Bachelor of Commerce - Commerce
Gujarat University
Ahmedabad03-2013
Skills
Auditing
Credit Analysis
Credit Appraisal
Operational efficiency
Loan processing
Portfolio management
Credit analysis
Problem-solving
Multitasking
Willing to learn
Decision-making
Planning and coordination
Adaptability
Certification
- NSDL (Derivatives Market Operations)
- NISM (Mutual Funds)
Languages
- English
- Gujarati
- Hindi
- Marathi
Timeline
Credit Operations Manager
HDFC Bank
08.2018 - Current
Assistant Manager
Kotak Mahindra Bank
07.2017 - 08.2018
Senior Officer Branch Banking Operations
ICICI Bank Ltd.
07.2016 - 07.2017
- NSDL (Derivatives Market Operations)
- NISM (Mutual Funds)
MBA - Commerce
Institute of Chartered Financial Analysts of India (ICFAI)
Master of Commerce - Finance, Accounts, Auditing
Gujarat University
Bachelor of Commerce - Commerce
Gujarat University
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